High Interest Checking & Cash Back Checking, Saver Disclosure
Qualification Information:
Account transactions and activities may take one or more business days to post and settle to the account, and all
must do so during the Monthly Qualification Cycle in order to qualify for rewards. The following activities do not
count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases
processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases
made with debit cards not issued by our institution. Transactions bundled together by merchants and received by us
as a single transaction count as one transaction for qualification purposes.
“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current
statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Contact
one of our branch service representatives for specific cycle dates.
Reward Information
When your High Interest Checking account qualifications are met during a Monthly Qualification Cycle:
- Daily balances up to and including $25,000 earn an interest rate of 4.8889%, resulting in a non-compounding APY*
of 5.00%.
- Daily balances over $25,000 earn an interest rate of 0.2497% on the portion of the balance over $25,000,
resulting in a non-compounding APY range of 5.00% to 1.20% depending on balance.
With a linked Saver account:
- Daily balances up to and including $50,000 earn an interest rate of 2.9595%, resulting in an APY of 3.00%.
- Daily balances over $50,000 earn an interest rate of 0.2497% on the portion of the balance over $50,000,
resulting in an APY range of 3.00% to 1.17%.
Fees may reduce earnings. No minimum balance is required to earn rewards.
ATM Withdrawal Fee Reimbursements:
You will receive reimbursements up to $25 per Monthly Qualification Cycle for nationwide ATM withdrawal fees
incurred in your High Interest Checking account. We reimburse fees based on estimates when withdrawal information
does not identify the fee. If you have not received an appropriate reimbursement, we will adjust if you provide the
receipt within 60 days of the transaction. ATM fee reimbursements apply only to High Interest Checking transactions.
Saver ATM fees are not reimbursed.
When your High Interest Checking qualifications are not met:
- The entire balance in both High Interest Checking and Saver earns 0.05% APY.
- ATM withdrawal fees are not refunded.
Interest and reimbursements will be credited to your High Interest Checking and Saver accounts on
the first business day that processing occurs following the close of the statement cycle.
Note: When linked to a Saver account, interest earned in High Interest Checking does not compound since it,
along with any ATM reimbursements, is automatically transferred to the Saver account within one day. This
automatic transfer may cause an overdraft in High Interest Checking if the balance is less than the transferred
amount when the transfer occurs.
Additional Information:
APY = Annual Percentage Yield. APYs accurate as of September 10, 2025.
APY calculations are based on an assumed balance of $125,000 in High Interest Checking and $150,000 in Saver, with a
31-day statement cycle.
Rates, rewards, and bonuses are variable and may change at our discretion after account opening without notice.
Rewards less than a penny cannot be distributed.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements
apply. $25 minimum deposit required to open each account. Enrollment in electronic services (e.g., online banking,
e-statements) may be required to meet qualifications. Limit of 1 account per Social Security Number. No recurring
monthly maintenance fees. A High Interest Checking account is required to open and maintain a Saver account.
Advertised information and rewards are based on all qualifications being met during each cycle period. Contact us
for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates,
and enrollment instructions.
Member FDIC.
Cash Back Checking + Saver Disclosre
Qualification Information:
Account transactions and activities may take one or more business days to post and settle to the account, and all
must do so during the Monthly Qualification Cycle in order to qualify for rewards. The following activities do not
count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases
processed by merchants and received by our bank as ATM transactions, non-retail payment transactions, and purchases
made with debit cards not issued by our institution. Transactions bundled together by merchants and received by us
as a single transaction count as one transaction for qualification purposes.
“Monthly Qualification Cycle” means a period beginning one (1) banking day prior to the first day of the current
statement cycle through one (1) banking day prior to the last business day of the current statement cycle. Contact
one of our branch service representatives for specific cycle dates.
Reward Information:
When your Cash Back Checking account qualifications are met during a Monthly Qualification Cycle:
- You will receive 4.00% cash back on up to $250 in debit card purchases that post and settle, for a maximum of
$10.00 per cycle. Cash back is credited directly to the linked Saver account (not first to the Cash Back account).
With a linked Saver account:
- Daily balances up to and including $50,000 earn an interest rate of 2.9595%, resulting in an APY of 3.00%.
- Daily balances over $50,000 earn an interest rate of 0.2497% on the portion of the balance over $50,000,
resulting in an APY range of 3.00% to 1.17%.
Fees may reduce earnings. No minimum balance is required to earn rewards.
ATM Withdrawal Fee Reimbursements:
You will receive reimbursements up to $25 per Monthly Qualification Cycle for nationwide ATM withdrawal fees
incurred in your Cash Back Checking account. We reimburse fees based on estimates when withdrawal information does
not identify the fee. If you have not received an appropriate reimbursement, we will adjust if you provide the
receipt within 60 days of the transaction. ATM fee reimbursements apply only to Cash Back Checking transactions.
Saver ATM fees are not reimbursed.
When your Cash Back Checking qualifications are not met:
- No cash back is earned.
- The entire Saver balance earns 0.05% APY.
- ATM withdrawal fees are not refunded.
Crediting Information:
Cash back, interest, and reimbursements will be credited to your Saver account on the first business day that
processing occurs following the close of the statement cycle.
Additional Information
APY = Annual Percentage Yield. APYs accurate as of September 10, 2025.
APY calculations are based on an assumed balance of $150,000 in Saver, with a 31-day statement cycle.
Rates, rewards, and bonuses are variable and may change at our discretion after account opening without notice.
Rewards less than a penny cannot be distributed.
Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons, and other requirements
apply. $25 minimum deposit required to open each account. Enrollment in electronic services (e.g., online banking,
e-statements) may be required to meet qualifications. Limit of 1 account per Social Security Number. No recurring
monthly maintenance fees. A Cash Back Checking account is required to open and maintain a Saver account. Advertised
information and rewards are based on all qualifications being met during each cycle period. Contact us for
additional information, account details, restrictions, reward calculations, processing limitations, cycle dates, and
enrollment instructions.
Member FDIC.